Bay Street was founded by two partners: an investment banker whose deal teams restructured Casper Sleep and Sam Ash Music, and a commercial finance expert who funded $150M+ across 2,500 deals before successfully exiting his prior firm.
We built this firm to bring Wall Street expertise to Main Street businesses.
One application. 50+ lenders. 2–3 real options with clear terms—no runaround.
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One application. 50+ lenders. 2–3 real options with clear terms — no runaround. Bay Street Lending connects growing businesses with capital that actually fits.
Founded by an investment banker whose teams restructured Casper Sleep and Sam Ash Music, and a commercial finance expert who funded $150M+ across 2,500 deals.
Owners don't need more gimmicks — they need clear, honest guidance. Our team is trained by private credit & commercial banking underwriters who know what a business qualifies for in minutes, not days.
Tech-enabled outreach across banks, credit unions, SBA lenders, and private credit funds. One application unlocks the entire market.
Stop wasting time with salesmen who can't read a P&L. Our team understands your operations and matches you with precision.
We recommend only what fits your cash flow. No pressure, no surprises, no pushing products that pay us more.
We're not a one-product shop. Bay Street matches you with the optimal capital structure from our full suite of financing solutions.
Fuel hiring, inventory purchasing, marketing, or stabilize cash cycles. Fast capital based on your monthly revenue with flexible remittance.
Government-backed loans with the best rates in the market. Extended repayment periods with competitive interest rates for established businesses.
Fund essential equipment with flexible structures that preserve liquidity. The asset serves as collateral, keeping other credit lines open.
Revolving credit you draw on when you need it and only pay for what you use. Perfect for managing cash flow gaps and opportunities.
Turn outstanding invoices into immediate cash. We advance 80–95% of your AR within 24 hours so you're never waiting on net terms.
Purchase, refinance, or renovate commercial property. Competitive rates for owner-occupied and investment properties alike.
No runaround. No bait-and-switch. Just a guided path from application to capital in your account.
Start with a simple, pressure-free conversation. We learn how your business operates, what you're trying to solve, and what matters most.
We match you with the right financial path — whether that's working capital, equipment financing, or an SBA loan. No guesswork, no generic offers.
We package clean files, eliminate delays, and deliver transparent terms. After funding, we stay involved to support long-term success.
Work with a team that can actually understand your operations, read your P&L, and recommend what fits your cash flow — not what pays them the highest commission.
Talk to a Real Advisor →I called three other brokers before Bay Street. They were the only ones who told me I qualified for an SBA loan instead of trying to push me into an MCA. Saved me tens of thousands in interest.
One application. Multiple options. A team that actually knows what they're doing. Let's get your business funded.
No credit pull. No obligation. Free consultation.
Expert insights and guides to help you navigate the lending landscape and secure the right capital for your business.
Everything you need to know about qualifying for an SBA loan in 2026.
How working capital loans keep your business running and growing.
Smart strategies for financing the equipment your business needs.
Understanding the banking gap and what alternatives exist.
